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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,947 | $58,344-23.0% | $98,477-54.4% | $86,813-48.2% |
| Participation rate | 15.2% | 68.4%-53.2pp | 73.3%-58.1pp | 72.3%-57.1pp |
| Annual return | 29.87% | 43.47%-13.6pp | 1493.59%-1463.7pp | 97.93%-68.1pp |
| Employer contribution / active EE | $0 | $2,008-100.0% | $2,961-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $415 | $3,156-86.9% | $4,276-90.3% | $4,131-90.0% |
| Admin fee / account holder | $26 | $138-80.8% | $5,951-99.6% | $170-84.4% |